Esto terms and conditions


When paying for products or services, use ESTO’s “pay later” payment method – confirm your order now and ESTO will give you 30 days to pay. Buy immediately and pay as you wish within the next 30 days at no extra cost! There is no interest. There are no extra costs.

Add the products to your shopping cart, confirm your order and select “ESTO pay later” as payment method and digitally sign your order with your ID-card, Mobile-ID or Smart-ID.

  • If you pay the full cost of your shopping cart on time, there will be no surcharge.
  • The minimum shopping cart amount when using “ESTO pay later” is 60 EUR.
  • All citizens of the Republic of Estonia aged between 18 and 70 can apply for “ESTO pay later”.

“ESTO pay later” conditions

The use of “ESTO pay later” is by its very nature the conclusion of a consumer credit agreement with ESTO AS. The duration of the consumer credit agreement is 12 months. If you have paid all your obligations under the hire-purchase agreement, i.e. an amount equal to the value of the shopping basket, you do not have to pay anything in addition to this amount. If you fail to make your payments according to the “ESTO pay later” schedule set out in the instalment contract, your initial “ESTO pay later” schedule will be extended to 12 months and additional charges will apply.

Using “ESTO pay later” is a financial decision and comes with risks and responsibilities, so please consider carefully the need to use loan products. For example, for a loan amount of 2049 euros, with a fixed interest rate of 14% per year for 12 months and a contractual fee of 14.90 euros, the APR is 31.12%, the monthly payment is 197.14 euros and the total amount to be repaid by the consumer is 2365.68 euros.

The “ESTO pay later” terms and conditions reflected on the website are indicative and personal terms and conditions are available in the personal instalment contract, which can be consulted before signing it.

“ESTO Pay Later is provided by ESTO AS.
Telephone: (+372) 622 52 52